https://completemarkets.com/company/kandkinsurance/Sport-Complex-Insurance/
https://completemarkets.com/company/kandkinsurance/Sport-Instructor-Insurance/
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https://completemarkets.com/company/amerspec/Minor-League-Baseball/
More sports fans attend Minor League Baseball games each year than those for the NBA or NFL. Whether your client’s team is in the playoffs or rebuilding, American Specialty Insurance & Risk Services offers tailored insurance solutions to keep operations protected beyond the final pitch.
Overview of the Program From American Specialty
American Specialty Insurance & Risk Services is a leading Managing General Underwriter (MGU) specializing in sports and entertainment risks. Our Minor League Baseball Insurance program is designed to address the unique exposures faced by professional baseball teams and related operations. With in-house underwriting, claims, and risk management services, we deliver a high level of responsiveness and expertise to help agents secure coverage quickly and confidently.
Ideal Accounts and Eligible Operations
This program is ideal for a wide range of professional baseball-related operations, including:
AAA, AA, and A-level Minor League Baseball clubs
Independent professional baseball teams
Professional baseball leagues
Baseball stadiums and arenas
Special events and promotional activities
Baseball tournaments
Coaches, officials, and support personnel
If you have a client managing a minor league stadium that hosts games, fireworks nights, and weekend tournaments, or an independent team looking for comprehensive risk protection, this program is an excellent fit.
Coverage Highlights and Advantages
Our Minor League Baseball Insurance program provides broad protection through:
General Liability and Participant Legal Liability
Liquor Liability and Contingent Fireworks coverage
Property and Crime coverage
Automobile and Excess/Umbrella liability
Employee Benefits Liability
Participant Accident Medical and Catastrophic Medical
Deductible and Self-Insured Retention (SIR) options
All policies are supported by an "Excellent" or higher A.M. Best-rated carrier, and include program-specific forms and rates. Coverage is admitted and non-auditable, with 24-hour claims service and a full suite of online tools.
Underwriting Notes and Minimum Premiums
Minimum premiums vary based on the size and scope of the operation. Our in-house underwriting team works closely with agents to deliver fast turnaround and customized solutions. Whether your client operates a single-A team or a multi-use baseball complex, we can tailor coverage to fit their needs.
Territories and Availability
This program is available in all 50 states and Washington, DC, including key markets such as CA, FL, TX, NY, and PA. Whether your client is based in a major metro or a small community, we have the national reach to support them.
Why Work With American Specialty
American Specialty has decades of experience in the sports and entertainment insurance space. Our in-house capabilities—from underwriting and claims to policy administration—allow for seamless service and fast, informed decisions. We understand the operational and reputational risks your clients face and are committed to helping you protect their investments.
Frequently Asked Questions
What types of accounts are a good fit for this program?Our Minor League Baseball Insurance program is ideal for professional baseball teams, stadiums, leagues, and related operations such as tournaments and promotional events.
Is the coverage admitted and available nationwide?Yes, the program offers admitted coverage and is available in all 50 states and Washington, DC.
Can this program handle special events like fireworks nights?Yes, the program includes Contingent Fireworks coverage and is built to handle the unique exposures of special events hosted by baseball teams and venues.
What carrier supports this program?The coverage is backed by an A.M. Best "Excellent" or higher rated carrier, ensuring strong financial support and claims handling.
How quickly can I get a quote?Our in-house underwriting team offers responsive service and works with agents to provide timely quotes based on the complexity of the risk.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/sadleragent/amateur-sports-events-insurance/
PROGRAM DESCRIPTION
Sadler & Company, Inc. offers a focused Amateur Sports Events Insurance program designed for independent agents and brokers placing liability coverage for community-level amateur sporting events. The program is built for U.S.-based organizers running single events or a series of amateur events during the year. Policies can cover the event organizer, employees, and volunteers, and typically extend to ancillary activities that are directly related to the event—banquets, awards ceremonies, concerts, and similar functions—when those activities are included in the event and not separately ticketed.
Ideal Accounts and Program Appetite
This program is appropriate when your insured’s event meets Sadler’s eligibility limits and risk profile. Typical appetites include:
Maximum of 2,500 participants per event
Maximum daily spectator attendance of 7,500
Event duration (including practice dates) of no more than 14 days — setup and breakdown days are not included
Good-fit accounts include community soccer tournaments, local track & field meets, youth wrestling or martial arts competitions, and similar amateur-level events. Annual blanket coverage is available for organizers who host multiple events during the year, provided each event is pre-approved by the underwriter.
Ineligible Operations
Events that do not meet the eligibility criteria or that present elevated exposures are not eligible for this program. Common exclusions include:
Events involving animals (service animals excepted)
Professional sports events, professional try-outs, or professional training camps/clinics
College or university championship events
Highland games
Sanctioned USA Hockey tournaments and events
Coverage Highlights and Exclusions
Sadler’s Amateur Sports Events program provides general liability coverage for approved events and related activities. The policy is intended to respond to third-party bodily injury and property damage allegations arising from the event. Common exclusions and restrictions include:
Abuse, molestation, harassment, or sexual misconduct
Use of amusement devices such as rides, inflatables, dunk tanks, and similar attractions
Ancillary activities that charge separate admission and are open to the public (these may require separate coverage)
24-hour premises liability (coverage is generally limited to event times and related activities)
Claims arising from independent vendors, concessionaires, or exhibitors — vendors are typically required to carry their own insurance and provide certificates of insurance
Underwriting and Premium Information
Underwriting is event-specific. Minimum premiums and final terms depend on participant counts, spectator exposure, event duration, activities offered, and venue characteristics. Only pre-approved events are eligible. If an event exceeds participant, attendance, or duration limits, or fits an excluded category, contact Sadler & Company to discuss alternate placement options or tailored solutions.
Territories and Availability
The program is available in most U.S. states, including: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY. Depending on the state and carrier appetite, coverage may be offered through admitted or non-admitted markets.
Why Work With Sadler & Company
Sadler & Company is a Managing General Agency with deep experience in sports and recreation risks. Agents benefit from a streamlined underwriting workflow, broad state availability, and access to multiple carriers tailored to amateur event exposures. Sadler’s underwriting team focuses on practical, event-level risk controls and clear binding criteria, which can speed placement for well-documented accounts.
Example Accounts (from an agent’s perspective)
You have a community recreation department running a two-day youth soccer tournament with 1,200 players and spectator attendance under the per-day limit — this program can provide event liability coverage and include the post-event awards banquet.
A regional martial arts promoter conducts several one-day competitions across the state each year; you can pursue annual coverage with Sadler provided each tournament is pre-approved and within participant limits.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Community-level amateur sports events — youth soccer tournaments, local wrestling meets, regional martial arts competitions — are ideal when they meet participant and attendance limits and do not include excluded activities.
Can this program cover multiple events throughout the year?
Yes. Annual coverage is available for promoters who host multiple events, provided each event receives prior approval from Sadler underwriters.
Are ancillary activities like awards ceremonies covered?
Yes—award ceremonies, banquets, and similar activities are typically covered when they are part of the insured event and not separately ticketed or open to the public with separate admission.
What happens if my client’s event exceeds the eligibility criteria?
If participant numbers, attendance, or duration exceed the program limits, or the event involves an excluded activity, contact Sadler & Company to explore alternative markets or tailored solutions.
Is this program admitted or non-admitted?
Both admitted and non-admitted options may be available depending on state regulations and the specific risk profile. Sadler will advise which market is appropriate during underwriting.
Need help placing an account? Connect with a market specialist.